FX & Payments Leads — Cross-Border Payment & Forex Opportunities

Vetted high-volume operator seeking improved MXN ↔ USD settlement infrastructure for an existing, active cross-border payments ecosystem between the United States and Mexico. ## Current Ecosystem Large wholesale/distributor-driven network Existing operational footprint in both the US and Mexico Distributor and sub-distributor structure with thousands of downstream retail points, telecom shops, independent operators, and mom-and-pop locations Existing licensed coverage in the United States via authorized delegate / agent relationship under an established Money Transmitter Existing Mexican banking / fintech infrastructure with FBO-style collection arrangements Existing active flow of funds and settlement operations already in production ## Current Volume Approximately US$30M/month flowing US → Mexico Approximately US$30M/month flowing Mexico → US Over US$330M processed last year Forecasting materially higher volume this year Initial guaranteed opportunity of at least US$10M/month for the right provider on the Mexico → US side ## Core Problem Statement The business is currently being materially hampered by treasury and settlement bottlenecks on the Mexico → US side. ### Pain Points Slow settlement timelines (often T+1 to T+2) Need for near-instant or same-day settlement Need for improved MXN/USD FX pricing Operational friction around Mexican recognition of US agent/delegate structures Tax and regulatory considerations requiring proper outbound movement of funds from Mexico Existing providers offering acceptable rates but poor settlement speed The operator believes growth is currently constrained primarily by: settlement delays, treasury friction, and non-competitive FX execution. ## Seeking MXN bank account infrastructure Same-day or near-instant MXN → USD settlement Competitive institutional-grade FX pricing Treasury and liquidity partners Stablecoin-enabled settlement rails (optional but welcome) Mexico ↔ US payout and treasury infrastructure Banking and regulated fintech partners FX brokers and liquidity providers Real-time settlement infrastructure providers ## Ideal Providers Banks Licensed FX firms Stablecoin treasury operators Institutional liquidity providers Cross-border settlement firms Mexico-focused fintech infrastructure providers Real-time treasury and payment infrastructure operators ## Important Notes Existing volume is real and already operational Client is vetted NDA available Existing provider economics and settlement structures can be disclosed to serious counterparties Client is willing to transition volume progressively based on performance and economics Primary decision drivers are: settlement speed, operational reliability, compliance comfort, and FX competitiveness. ## Key Takeaway This is not a startup opportunity. This is an existing operational flow seeking materially better settlement infrastructure to unlock additional growth capacity.

A FINTRAC-registered Canadian money services business is seeking a USD settlement account to receive fiat commission revenue derived from crypto transactions executed through licensed third-party exchange partners. The company is inviting bids from banks, BaaS providers, payment institutions, and other regulated account providers comfortable with crypto-adjacent fiat flows from documented, licensed counterparties. Entity Profile - Canadian entity registered with FINTRAC as a Money Services Business - RPAA compliance track - Part of a multi-jurisdiction group with regulated entities in the EU and US - Foreign-owned; enhanced due diligence expected - PCMLTFA-compliant AML program in place, including compliance officer, KYC/KYB, sanctions screening, and blockchain analytics Account Purpose The account will be used to receive and settle USD commission revenue. Flow characteristics: - Revenue is derived from crypto sales executed by licensed third-party exchanges - Fiat received is the entity’s own commission revenue - Funds are not pooled client funds - No client custody is required from the account provider - USD account required; CAD capability is a plus Volume Profile The company earns a blended commission on crypto transaction volume. Indicative year-one activity: - Approximately 1,000 crypto transactions per month - Blended commission rate of approximately 0.5% to 1.0% - Settlement amounts to be confirmed with shortlisted providers These figures describe underlying crypto transaction volume and related commission economics, not fiat balances held on behalf of customers. Provider Requirements The company is seeking a provider that can offer: - USD account - Online access - Wire capability - Optional CAD and FX support - Comfort with crypto-derived fiat revenue from licensed exchange counterparties - Comfort onboarding a foreign-owned, FINTRAC-registered MSB - Clear fee schedule covering onboarding, monthly maintenance, wires, transactions, and FX Onboarding Package Available The company can provide: - Business plan - AML/compliance program - Flow-of-funds documentation - Ownership chart - FINTRAC registration details - Licensed-exchange counterparty information - Supporting due diligence documents Providers should submit indicative fees, onboarding timeline, documentation requirements, supported currencies, and any restrictions on crypto-adjacent fiat flows.

A licensed payment service provider in Africa is seeking a direct institutional partner capable of providing named USD accounts with SWIFT access for African business clients. The company is currently licensed in Africa and has also applied for Canadian FINTRAC registration, which is expected to be approved shortly. It has an active and ready client pipeline across key African markets, including Nigeria, Ghana, Tanzania, Zambia, and Uganda. The client base consists primarily of importers, exporters, businesses, freelancers, and commercial counterparties requiring reliable cross-border USD payment capabilities. The immediate focus is on B2B payment flows, particularly African importers and businesses that hold USDT or USDC and need to convert into USD for onward supplier payments. The core requirement is the ability to issue named USD accounts to African businesses, with access to SWIFT for international payments. Named accounts are essential because many international suppliers, manufacturers, and trading counterparties will only accept payments from an account held in the name of the paying business. Typical payment destinations include suppliers and manufacturers in: - China - Dubai / UAE - Europe - Other international trade corridors The required payment flow is straightforward: clients need to convert USDT or USDC into USD and then make USD-to-USD SWIFT payments from their own named business accounts. The client is not seeking local currency conversion, alternative rails, or non-SWIFT payment workarounds for this requirement. The PSP is fully prepared to support a robust compliance process. KYB, KYC, beneficial ownership documentation, source of funds, source of wealth, invoices, transaction details, and supporting commercial documentation can be provided as required. The initial expected volume is approximately $10M-$15M per month, with a credible path to scale to $50M-$60M per month as account access and processing capacity expand. The expected account requirement is approximately 150-200 named business accounts. The ideal partner will be a regulated financial institution, EMI, PSP, MSB, bank, or licensed account provider that directly controls the relevant account and SWIFT capabilities. The PSP is not seeking brokers, middlemen, introducers, or parties that do not directly own or operate the required regulated infrastructure. Commercially, the PSP is looking for a serious long-term partner that understands high-volume B2B payment flows, trade-related African corridor activity, and the restricted margins under which these businesses operate. Providers with excessive percentage-based pricing, such as 1% transaction fees, are unlikely to be suitable. The preferred partner should be able to support: - Named USD accounts for African businesses - SWIFT access for international supplier payments - USDT and/or USDC conversion into USD - B2B importer, exporter, and trade-related payment flows - Full KYB/KYC and beneficial ownership review - Source of funds and source of wealth documentation - Invoice-backed commercial payments - Scalable account issuance and transaction processing - Competitive institutional pricing suitable for thin-margin B2B flows This is a serious, time-sensitive requirement. The PSP is ready to proceed with the right regulated partner and is targeting go-live within 30 days. This opportunity is being administered by DealHarbor as a private placement lead. Qualified licensed providers with direct named-account and SWIFT capabilities should respond through DealHarbor for confidential introduction and qualification.

A licensed financial services group is seeking relationships with licensed international money transfer operators, MSBs, MTOs, and remittance companies that currently send funds into Ghana, Nigeria, Tanzania, and Zambia. The immediate priority market is Ghana, with Nigeria, Tanzania, and Zambia as secondary corridors. The buyer is looking to acquire part or all of existing remittance payout flows from licensed operators. For example, if an IMTO is sending $5M-$10M per month into Ghana through existing channels, the buyer may be interested in purchasing a portion of that flow and handling the local payout and delivery requirements in-country. The goal is to help sending operators improve payout efficiency, reduce pre-funding requirements, accelerate settlement cycles, and potentially achieve better FX economics through a compliant, licensed structure. The buyer can work with: - Partial or full remittance contract volumes - Funds-good-and-settled models - Pre-funded models - High-frequency settlement cycles, including hourly settlement where appropriate - USD and EUR account structures - Onshore and offshore account arrangements - Crypto-friendly settlement options, including USDT where legally and operationally suitable The preferred counterparties are licensed IMTOs, MTOs, MSBs, and remittance operators in the United States, Canada, the United Kingdom, and Europe that already have inbound African corridor volume and are open to monetizing part of that flow. The buyer is a serious, experienced party with a background in FX and banking brokerage. Initial desired volume is approximately $25M-$50M per month, with the ability to scale significantly higher, potentially up to $150M-$200M per month depending on corridor, counterparty, licensing, compliance review, and operating model. All transactions must be conducted through licensed, compliant, and properly documented arrangements. Counterparties should be prepared to provide evidence of licensing, corridor activity, transaction volumes, compliance controls, and settlement capabilities. This opportunity is being administered by DealHarbor as a private placement lead. Interested licensed operators should respond through DealHarbor for introduction and qualification.